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As you are aware, every time you apply for a credit card, you incur a credit inquiry as part of the process. These may be hard or soft inquiries. Your accessible credit score may differ from what the financial institutions see. Moreover, the underlying metrics have more significance than what your score may show. Given that, knowing and checking your exact credit score is probably less important than you think. Regardless, here are resources for you to check your score or report.
Interac Verification Service
Equifax
Credit reports: unavailable
Credit scores: once a month, per online banking member credential
(Tip: TD Canada Trust uses this score for credit adjudication)
Direct Link | iOS: https://apps.apple.com/ca/app/interac-verification-service/id1090441769
Direct Link | Google Play:
https://play.google.com/store/apps/details?id=com.securekey.verifiedme
Credit Karma
TransUnion
Credit reports: once a week
Credit scores: once a week
Direct Link: https://www.creditkarma.ca/
Borrowwell
Equifax
Credit reports: once a month
Credit scores: once a week
Direct Link: https://borrowell.com/free-credit-score
RBC Online Banking
TransUnion
Credit reports: once a month
Credit scores: once a month
Available on Browser only
Scotiabank Online Banking
TransUnion
Credit reports: once a month
Credit scores: once a month
Available In-App or on Browser
BMO Bank of Montreal
TransUnion
Credit reports: once a month
Credit scores: once a month
Available In-App or on Browser
MY.Equifax.CA
Equifax
Credit reports: once a month
Credit scores: once a month
Direct Link: https://my.equifax.ca/consumer-registration/?lang=en
TransUnion.ca
TransUnion
Credit reports: once a month
Credit scores: unavailable
Direct Link: https://secure-ocs.transunion.ca/secureocs/home.html?lang=en
CIBC Online Banking
TransUnion
Credit reports: once a month
Credit scores: once a month
Available In-App or on Browser
Desjardin AccesD
TransUnion
Credit reports: once a month
Credit scores: once a month
Available on Browser only
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